{"id":7738,"date":"2023-05-22T00:21:17","date_gmt":"2023-05-22T00:21:17","guid":{"rendered":"https:\/\/hafidoune-academy.com\/fi-en\/?page_id=7738"},"modified":"2023-05-22T00:23:03","modified_gmt":"2023-05-22T00:23:03","slug":"compte-epargne-islamique","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/finance-islamique\/en\/compte-epargne-islamique\/","title":{"rendered":"compte epargne islamique"},"content":{"rendered":"\t\t
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\r\n SAVINGS ACCOUNT <\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What is it?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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It is a demand deposit account, intended for the unsalaried individuals , unless the customer expressly authorizes the bank to invest these funds, using the MOUDARABA formula.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Eligibility :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Any natural person, major, of Algerian nationality.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Functionality: <\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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This account allows you to make\u00a0:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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<\/i><\/div>\r\n \t
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\r\n\t \t\t Transfers\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tPayments\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tCheck cashing\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tWithdrawals\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\t Provisions\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\t Soon: possibility of benefiting from an Islamic CIB card and remote account monitoring.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
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Availability:<\/strong><\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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BDL branches with an Islamic counter..<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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File to provide\u00a0:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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<\/i><\/div>\r\n \t
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\r\n\t \t\t A copy of the identity document;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\t A residence certificate;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tA birth certificate.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n Pricing conditions<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Account maintenance fees:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Type of account<\/td>Description of Fees<\/td>Value excluding tax<\/td>VAT<\/td>Period<\/td><\/tr>
Current accounts<\/td>costs taken into account<\/td>125 DA<\/td>19%<\/td>per month<\/td><\/tr>
Chequing and Savings Accounts<\/td>costs taken into account<\/td>41,67 DA<\/td>19%<\/td>per month<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Agency Operation Pricing:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Description<\/td>Individuals<\/td>Professionals<\/td>Companies<\/td><\/tr>
Cash withdrawal from another BDL branch<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
Domiciliary agency cash withdrawal<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
Punctual transfer<\/td>Contractor 50DA<\/td>Contractor 50DA<\/td>Contractor 50DA<\/td><\/tr>
Multiple Cash Credit Transfer<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
MAD issue from an account (the issuer must be domiciled at BDL)<\/td><=2 000 000DA: 855DA
>2 000 000DA: 2135DA<\/td>		<=2 000 000DA: 855DA
>2 000 000DA: 2135DA<\/td>		<=2 000 000DA: 855DA
>2 000 000DA: 2135DA<\/td><\/tr>
Entering a standing order<\/td>1000 DAAt the creation
permanent transfer 10 DA For\u00a0each transfer<\/td>		\/<\/td>\/<\/td><\/tr>
Blocking an amount<\/td>1000DA<\/td>1000DA<\/td>1000DA<\/td><\/tr>
Multiple transfers<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
opening and closing of accounts in dinars<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
issue of checkbook<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
issuance of a savings account<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
cash payments at the domiciliary bank<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
establishment and delivery or sending, where applicable, of an annual account statement to the client<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
online account consultation<\/td>Free<\/td>Free<\/td>Free<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

SAVINGS ACCOUNT What is it? It is a demand deposit account, intended for the unsalaried individuals , unless the customer expressly authorizes the bank to invest these funds, using the MOUDARABA formula. Eligibility : Any natural person, major, of Algerian nationality. Functionality: This account allows you to make : Transfers Payments Check cashing Withdrawals Provisions Soon: possibility of benefiting from an Islamic CIB card and remote account monitoring. Availability: BDL branches with an Islamic counter.. File to provide : A copy of the identity document; A residence certificate; A birth certificate. Pricing conditions Account maintenance fees: Type of account Description of Fees Value excluding tax VAT Period Current accounts costs taken into account 125 DA 19% per month Chequing and Savings Accounts costs taken into account 41,67 DA 19% per month Agency Operation Pricing: Description Individuals Professionals Companies Cash withdrawal from another BDL branch Free Free Free Domiciliary agency cash withdrawal Free Free Free Punctual transfer Contractor 50DA Contractor 50DA Contractor 50DA Multiple Cash Credit Transfer Free Free Free MAD issue from an account (the issuer must be domiciled at BDL) <=2 000 000DA: 855DA >2 000 000DA: 2135DA <=2 000 000DA: 855DA >2 000 000DA: 2135DA <=2 000 000DA: 855DA >2 000 000DA: 2135DA Entering a standing order 1000 DAAt the creationpermanent transfer 10 DA For each transfer \/ \/ Blocking an amount 1000DA 1000DA 1000DA Multiple transfers Free Free Free opening and closing of accounts in dinars Free Free Free issue of checkbook Free Free Free issuance of a savings account Free Free Free cash payments at the domiciliary bank Free Free Free establishment and delivery or sending, where applicable, of an annual account statement to the client Free Free Free online account consultation Free Free Free<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-7738","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/7738","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/comments?post=7738"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/7738\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/media?parent=7738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}